I'm in the short legs, long torso group too. I'm 5'5 with 27.5 inseam, I'd really like to try oen of them newfangled sloping tube frames. All my frames are traditional steel frames without sloping top tubes.

Remember, Standover height isn't as important as the effective top tube measurement so I guess that is why a lot of people feel fine riding a bicycle that is in theory too big for them. Standover height really does become an issue if you have jump off the bike everytime you stop for a light or sign. That would be just too tiresome for me to deal with. Also, remember that a properly fitted bicycle will yield the best handling bicycle for your money.